Worst bank Capitec

I have been banking with Capitec for quiet some time and when I took my loan my credit score was bad but they approved me for a term loan.

I had to go to the branch on 3 occasions because they were offline and dealt with 3 different people.

I was also advised by the consultant when I went to the branch that I must take out loans and pay them off to boost my credit score ,little did I know that if you take out payday loans it drops the credit score drastically.

I eventually called them today to consolidate my loans so my credit score can repair but apparently I don't qualify.

I will be changing my bank and will advise people to stay away from a misleading bank.

Regards